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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Bank Mortgage Lenders in Nebraska
Updated February 6, 2026
Market Overview
33
Total Lenders
10,505
Total Loans
0.13%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Exceptional | $1,057 | -0.034% | 1,396 | |
2 | Lincoln FSB of Nebraska | Exceptional | Exceptional | Exceptional | Exceptional | $1,199 | -0.021% | 655 | |
3 | Pinnacle Bank | Exceptional | Exceptional | Strong | Exceptional | $1,193 | -0.005% | 1,087 | |
4 | Union Bank and Trust Company | Exceptional | Exceptional | Strong | Exceptional | $1,063 | -0.071% | 584 | |
5 | Arbor Bank | Exceptional | Exceptional | Strong | Exceptional | $874 | +0.099% | 195 | |
6 | CORNHUSKER BANK | Exceptional | Exceptional | Strong | Exceptional | $547 | +0.086% | 186 | |
7 | Exchange Bank | Exceptional | Exceptional | Exceptional | Strong | $822 | +0.025% | 73 | |
8 | First National Bank of Omaha | Exceptional | Strong | Strong | Exceptional | $1,248 | +0.162% | 1,207 | |
9 | Access Bank | Exceptional | Strong | Strong | Exceptional | $1,457 | +0.124% | 321 | |
10 | Core Bank | Exceptional | Strong | Strong | Exceptional | $1,074 | +0.125% | 261 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $916 | +0.184% | 493 | |
12 | First Bank | Strong | Strong | Strong | Strong | $1,517 | +0.129% | 228 | |
13 | Security First Bank | Strong | Strong | Strong | Strong | $861 | +0.165% | 141 | |
14 | Dayspring Bank | Strong | Strong | Strong | Strong | $1,378 | +0.096% | 125 | |
15 | Northwest Bank | Strong | Strong | Strong | Strong | $586 | -0.085% | 91 | |
16 | NBKC BANK | Strong | Exceptional | Sound | Sound | $590 | -0.247% | 59 | |
17 | Central Bank | Strong | Strong | Exceptional | Sound | $3,299 | +0.017% | 43 | |
18 | CHARTER WEST BANK | Strong | Sound | Strong | Exceptional | $1,437 | +0.313% | 1,346 | |
19 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,048 | +0.018% | 238 | |
20 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $1,321 | +0.133% | 59 | |
21 | Central National Bank | Strong | Strong | Sound | Strong | $565 | +0.263% | 44 | |
22 | Frontier Bank | Strong | Sound | Strong | Strong | $801 | +0.319% | 167 | |
23 | American National Bank | Strong | Sound | Strong | Strong | $1,552 | +0.270% | 155 | |
24 | DUNDEE BANK | Strong | Sound | Strong | Strong | $2,758 | +0.206% | 126 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,950 | +0.257% | 98 | |
26 | Home Federal Savings and Loan Association of Grand Island | Strong | Sound | Sound | Strong | $1,023 | +0.252% | 102 | |
27 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,455 | -0.205% | 89 | |
28 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $1,695 | +0.471% | 269 | |
29 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $1,650 | +0.243% | 174 | |
30 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,892 | +0.408% | 104 | |
31 | Adams Bank & Trust | Strong | Sound | Acceptable | Strong | $1,438 | +0.223% | 93 | |
32 | BMO Bank National Association | Strong | Sound | Sound | Sound | $950 | +0.375% | 57 | |
33 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $3,777 | +0.677% | 44 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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